Retirement Plans for Small Business

Small Business Retirement Solutions from Merrill Edge

The Merrill Edge Advantage

Choose from a 401(k) plan, SEP IRA or SIMPLE IRA. Merrill Edge can help you find the option that might be right for your small business.

Take a look at some of the features of each option:

	401(k) Plan	Individual 401(k)	SEP IRA	SIMPLE IRA
For corporate employers, partnerships, non-profits *
For self-employed, sole proprietors *
Both the employer and the employee can make contributions
May be able to exclude part-time employees
After-tax or Roth contributions
Loans are an available option
Employer contributions are discretionary
Contributions are immediately vested**
Contributions are generally tax deductible by the business ***
Plan expenses are generally tax deductible by the business
No IRS Form 5500 filing is required ****
	More details	More details	More details	More details

Need more details before you decide?

See more details about each option »

*Employers with 100 or fewer employees who earned $5,000 or more during the preceding calendar year may consider a SIMPLE IRA plan.

** The term vesting refers to whether or not the money that has been set aside for you in a retirement plan is yours to keep if your employment is terminated. "Vested" benefits are those to which you have an absolute right even if you resign or are terminated.

*** Contributions made by a business owner to a SEP or SIMPLE are claimed as a deduction by the business owner on his/her business tax returns. See IRS Publication 560.

**** IRS Form 5500 is a form that 401(k) plans use to satisfy reporting required by law when plan assets are more than $250,000.

Ready To Get Started?

Open an Account

Open a small business retirement account. Call the Merrill Edge Advisory Center to speak with a member of our team of Small Business Financial Solutions Advisors toll-free at 855-667-9451
Mon. - Fri. 8 a.m. to 8 p.m.

Questions & answers

Don't have employees?

What's a Small Business 401(k)?

What's a SEP IRA?

What's a SIMPLE IRA?

Already have a 401(k) plan?

Our solutions might fit you better.

See how your plan compares

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Any information presented about tax considerations affecting your financial transactions or arrangements is not intended as tax advice and cannot be relied on to avoid any tax penalties. Neither Merrill Edge^TM nor its Financial Solutions Advisors provide tax, accounting or legal advice. You should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with your personal professional advisor.

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

Investment Products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.